Nate Ramirez is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and 12 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2016 and previously at Equitable Advisors. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program. The firm’s approach relies on Charles Schwab’s asset-allocation models and research tools, with recommendations tailored to individual client goals and risk tolerance.

Thanh Vo is a financial advisor at Schwab Wealth Advisory with four years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at Charles Schwab, TD Ameritrade, CarMax, and World Market. Schwab Wealth Advisory, Inc. serves clients enrolled in the Schwab Wealth Advisory program and selected Charles Schwab & Co.-referred clients, offering non-discretionary fiduciary investment advice and financial planning. The firm uses proprietary asset-allocation models and research tools to provide tailored recommendations with client authorization required for trades.

Matthew Mc Coll is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 65 licenses and four years of industry experience. His prior roles include positions at Charles Schwab, MassMutual, and Turnbridge, as well as seven years as an attorney. He is based in Westlake, TX. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab-referred clients, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on standard asset-allocation models and internal research tools, with trades executed only upon client authorization.

Hongli Chen is a CFP®-certified financial advisor with Schwab Wealth Advisory, Inc., bringing nine years of industry experience. Chen has worked at Charles Schwab & Co., Inc. since 2023 and previously spent eight years at TD Ameritrade, Inc. Outside of advisory services, Chen manages a rental property in Texas, assisting tenants with their needs. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in its Schwab Wealth Advisory program, offering guidance on asset allocation and investment selection while trades require client authorization. The firm uses Charles Schwab’s proprietary asset-allocation models and research tools to tailor recommendations based on client goals and risk tolerance.

Mary Aguirre is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 credentials and four years of industry experience. Her background includes roles at Charles Schwab, TD Ameritrade, Lockton Dunning Benefits, and Conduent Business Services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm uses standard asset-allocation models and internal research tools, delivering tailored recommendations without exercising discretionary trading authority.

Natali Espinosa is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 65 designations. She has been in the industry since 2025, including experience with Charles Schwab and a background that includes full-time education roles and work at Ozumo Santana Row LLC. Schwab Wealth Advisory, Inc. serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm uses internal research tools and standard asset-allocation models to tailor recommendations to client goals and risk tolerance without exercising discretionary trading authority.

Andrew Scott is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and nine years of industry experience. His work history includes positions at Charles Schwab & Co., Inc., Schwab Private Client Investment Advisory, Inc., Fidelity Investments, Amazon, and the University of North Texas. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Schwab’s asset-allocation models and internal research tools.

Michael Grimm is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory, Inc. Prior to joining Schwab, he held roles at Madison Avenue Securities, Csenge Advisory Group, and The Wingard Group DBA Wayfinder Group. He also has experience with TIAA-CREF. Grimm is active as a senior planner at The Wingard Group, providing holistic financial planning and investment advice. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm employs Charles Schwab’s proprietary asset-allocation models and research tools to tailor recommendations consistent with client goals and risk tolerance.

Samuel Engulu is a financial advisor at Schwab Wealth Advisory with Series 63 and Series 66 licenses and three years of industry experience. He has been with Schwab Wealth Advisory since 2026 and has previously worked at Charles Schwab & Co., Inc., Fidelity Investments, and Home Depot Inc. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory (SWA) program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations based on Charles Schwab’s asset allocation models and internal research tools.

Eric Tones is a CFP® professional with 18 years of industry experience, currently serving at Schwab Wealth Advisory since 2024. His prior experience includes roles at Charles Schwab, Edward Jones, and Fidelity Investments. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab–referred clients, using proprietary asset-allocation models and internal research tools to tailor recommendations.

Christopher Fisher II is a CFP® with 10 years of experience in the financial industry. He currently works at Schwab Wealth Advisory Inc., where he has been since 2021, and has prior experience with Charles Schwab, Bank of America, and Merrill. Fisher holds the Series 66 designation. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations primarily to clients enrolled in the Schwab Wealth Advisory program. The firm uses Schwab’s proprietary asset-allocation models and internal research tools to tailor recommendations aligned with clients’ goals and risk tolerance, operating on a large scale with over $218 billion enrolled in the program.

Mohamed Doumbia is a CFP® professional with five years of industry experience, currently affiliated with Schwab Wealth Advisory. His background includes roles at Charles Schwab and Co., TD Ameritrade, and previous entrepreneurial involvement with Clout Enterprises and Future Soccer. He also owns and manages a business called DML Services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program. The firm uses Charles Schwab’s proprietary asset-allocation models and research tools to offer tailored guidance, executing trades only with client authorization.

Michael Myers is a financial advisor with Schwab Wealth Advisory who holds Series 66 and Series 63 licenses and has 14 years of industry experience. His career includes 12 years at TD Ameritrade and more recent roles at Charles Schwab & Co., Inc. and Schwab Wealth Advisory. Schwab Wealth Advisory serves clients in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients, providing non-discretionary fiduciary investment advice and financial planning based on Schwab’s asset-allocation models and research tools. The firm focuses on tailored recommendations with trades executed only upon client authorization and employs formal compliance measures alongside its affiliation with Charles Schwab Futures and Forex LLC.

Todd Edwards is a Certified Financial Planner (CFP®) with nine years of industry experience. He is currently with Schwab Wealth Advisory, having joined Charles Schwab & Co., Inc. in 2024 after seven years at Edward Jones and one year at American National Diversified, Inc. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily for clients enrolled in the Schwab Wealth Advisory program. The firm’s guidance is based on Charles Schwab & Co.’s asset-allocation models and internal research, offering recommendations tailored to clients’ goals and risk tolerance.

Joel Castor is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior experience includes roles at Fisher Investments, Fidelity Investments, and Merrill. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning services to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s approach emphasizes asset allocation and investment selection guided by Schwab’s internal research tools, with client authorization required for all trades.

Stephen Isaacs is a CFP® and holds a Series 66 license with eight years of industry experience. He is currently with Schwab Wealth Advisory and has previous experience at Charles Schwab, TD Ameritrade, Edward Jones, and FedEx Services. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm offers guidance on asset allocation and investment selection using standard asset-allocation models and internal research tools, with recommendations tailored to individual goals and risk tolerance.

Hajrudin Rastoder is a financial advisor with Schwab Wealth Advisory who holds Series 63 and Series 65 licenses and has six years of industry experience. His career includes roles at Wells Fargo Clearing, Wells Fargo Bank, and First Convenience Bank prior to joining Schwab Wealth Advisory in 2022. Schwab Wealth Advisory serves clients enrolled in its Wealth Advisory program and certain Charles Schwab & Co.-referred clients, offering non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on standard asset allocation models and internal research tools, with client approvals required for all trades.

Jason Comer is a financial advisor at Schwab Wealth Advisory with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at firms including TIAA-CREF, USAA Financial Planning Services, TD Ameritrade, and Fidelity. Comer has been with Charles Schwab & Co. and Schwab Wealth Advisory since 2016. Schwab Wealth Advisory serves clients enrolled in the Schwab Wealth Advisory (SWA) program and certain Charles Schwab & Co.-referred clients by providing non-discretionary fiduciary investment advice, financial planning, and wealth management consultations. The firm’s advice is based on proprietary asset-allocation models and research tools, with recommendations tailored to individual client goals and risk tolerance.

Jared Johnson is a CFP® with 19 years of industry experience, currently with Schwab Wealth Advisory, Inc. He has previously worked at EP Wealth Advisors, Baker Avenue Asset Management, TD Ameritrade, and Banc of America Investment Services. Johnson holds Series 63 and 65 licenses and is based in Westlake, TX. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance includes asset allocation and investment selection using Schwab’s proprietary models and research tools, with trades executed only upon client authorization.

Gina Deutsch is a financial advisor at Schwab Wealth Advisory with 19 years of industry experience. She holds a Series 66 designation and has previously worked at USAA Life Insurance Company and Ameriprise. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice, financial planning, and wealth management consultations to clients enrolled in the Schwab Wealth Advisory program. The firm’s advice is based on Charles Schwab & Co.’s asset-allocation models and internal research tools, offering customized recommendations without exercising discretionary trading authority.